Search found 3582 matches

by rustymutt
Mon Oct 16, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 95
Views: 3603

Re: How does everyone keep track of your portfolio?

Another advantage to owning few funds. I've but 1 fund, the Vanguard Balanced 60/40. I can Google it anytime, or use the free Morningstar sheets to have an online peek. Plus low cost oversight.
by rustymutt
Fri Oct 13, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1173

Re: Building additional garage - recommendations?

When I built my current house back in 1999, I had a 220V outlet put in the garage for my 1980's Sears 12 inch planer. As time went by, I bought a 12.5 inch wide Dewalt planer, which only needs 110V. So the old 220V Sears planer sets unused in the garage taking up floor space (I use it once a year m...
by rustymutt
Fri Oct 13, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 170
Views: 11289

Re: Dividends vs. Capital Gains for Spending Needs?

I opp for the Capital Gain s myself. Growth, with annual average return over the last 10 years at 8%, has my portfolio growing, despite yearly withdraws. (less then 3%) It's doing as model academically with much less risk, and lowest costing fund.
by rustymutt
Fri Oct 13, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1173

Re: Building additional garage - recommendations?

Might as well turn it into a mother-in-law pad. Two story with an elevator to more storage overhead. Turn it into living space and reap more return in the future. A spa and heated pool would add a nice touch to the property. Incorporate, lol
by rustymutt
Thu Oct 12, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 73
Views: 6531

Re: Larry Swedroe: Non-US Valuations Look Attractive

Actually, a large % of US company revenue is from internationally. So even if you are 100% in US stock, you still have exposure to Intl market. It goes both ways, so that argument nulls itself out. I guess I'm a contrarian, I'm all US equities and bonds. I use to hold 50% foreign stocks, but not an...
by rustymutt
Wed Oct 11, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13535

Re: [Boglehead vs Mr Money Mustache philosophies]

I sometimes reuse paper plates. Hey I'm an Okie.
by rustymutt
Tue Oct 10, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3603

Re: Wifi Thermostat

What security is built into these things? Is this as simple as a Jeep Grand Cherokee to break into and get into someone's home computer? I think that would be my first question. All can be hacked. It is recommended to connect them to a guest network, not to the main wi-fi. I have installed some Nes...
by rustymutt
Tue Oct 10, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3603

Re: Wifi Thermostat

Make sure you've got good reliable wi/Fi signal where you need it. Wired is always better in my engineering book.
:beer
by rustymutt
Thu Oct 05, 2017 7:47 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1527
Views: 270318

Re: What are you up YTD? [Year To Date]

I weighed in this morning at 230, up 5 pounds. Back to my diet.
by rustymutt
Thu Oct 05, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3111

Re: We're Debt Free (Except our House)!

Toons wrote:
Tue Oct 03, 2017 12:35 pm
" Pay more towards our mortgage?"
Personally?
Yes,Without a shred of doubt :happy
Agreed!
by rustymutt
Thu Oct 05, 2017 7:29 am
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3111

Re: We're Debt Free (Except our House)!

Yessssssssssssssssssssssssssss, I love to hear these victories for staying debt free! Push on master of your own destiny, and keep the banks out of your life. Learn to love life below your means, and you'll be a happier person, family, business, or country. Now join with us teaching others this impo...
by rustymutt
Mon Oct 02, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Oil stains: How to treat?
Replies: 12
Views: 1406

Re: Oil stains: How to treat?

For small spots I use Goof Off spray, then immediately mop that up with a paper towel, and repeat. Then put down powered concrete on top of the spot. In a day or 2 after sweeping up the concrete, you can't see any difference. Sealing the garage floor also helps with cleanup.
by rustymutt
Sat Sep 30, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Don't Walk RUN from AT&T - no prorate on last bill
Replies: 13
Views: 1471

Re: Don't Walk RUN from AT&T - no prorate on last bill

AT&T has automated everything to my discuss. Just try to get hold a live person. If you do, after 30-45 minute delay, they have a foreign accent. India most likely. It's become a high tech marketing firm. Confuse and conquer the buying public.
by rustymutt
Sat Sep 30, 2017 10:11 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 8841

Re: Bogleheads you would most like to meet and why?

Who would you like to meet most for a cup of coffee other than Jack Bogle (I'm up for that!) Mine are: 3) Toons- I like his advice and his avatar makes me think he enjoys life! 2) Taylor Larimore- I have learned volumes reading his posts and of course, books! 50+ years of investing experience gives...
by rustymutt
Sat Sep 30, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: Portfolio Rebalancing
Replies: 8
Views: 540

Re: Portfolio Rebalancing

And I've read studies were not rebalancing at all pays off, because of momentum. So you can find a study supporting any position, if you look hard enough. Yeah, I pointed that out in the comment you quoted. It was addressed in the Vanguard study that I linked. :) I view rebalancing as a way to cont...
by rustymutt
Sat Sep 30, 2017 10:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 8841

Re: Bogleheads you would most like to meet and why?

I'd like to meet the military vets, and shake all their hands. Letting them know how much their sacrifice means to me, personally.
Taylor jumps out for me, as my father also was a WII vet. Again, thanks to all our vets for their service. :sharebeer
by rustymutt
Sat Sep 30, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2661

Re: Caught by speed camera

Thanks for being honest about it. I'm no angel, as I've received more than my share of speeding tickets. But I learned fast as a young man that you pay a price for ignorance of the speed limits, and now pay attention to my speed. I've 1 ticket in the last 39 years. Seems to me that the police don't ...
by rustymutt
Sat Sep 30, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: Portfolio Rebalancing
Replies: 8
Views: 540

Re: Portfolio Rebalancing

I'm a newbie and my portfolio is still in the 5 figure range. I've just been rebalancing whenever I "feel" like it. It probably comes out to roughly a quarterly schedule. I don't recall my AA ever being off much more than 2% (keep in mind I've only been investing for 2 years, so I have never been e...
by rustymutt
Fri Sep 29, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Question: Why do people put/keep millions of dollars in investment accounts?
Replies: 66
Views: 8186

Re: Question: Why do people put/keep millions of dollars in investment accounts?

It's the only way to keep up with and pass by inflation. Despite the ups and downs of the market, it's got a long term slope that's positive. You won't get inflation protection with CDs, bonds, or savings accounts. That's my answer in a nut shell.
by rustymutt
Fri Sep 29, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Medicare Plan Details Now Available
Replies: 15
Views: 1220

Re: 2018 Medicare Plan Details Now Available

I get extremely confused with all the information I'm inundated with each year. I've got a pile of stuff to go through, and people at my benefits office to call to help me with the confusion. Last year they told me wrong, and I had no insurance during the month of January. Confuse and conquer. Best ...
by rustymutt
Fri Sep 29, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 45921

Re: Quicken's future direction - a cause for concern

Uncle Pennybags wrote:
Sat Feb 04, 2017 1:48 pm
Quicken sucks and I'm ready to dump it. The year they stop letting me do manual entries is the day I stop up grading. As it is with a fully paid current Quicken I have to enter a third of the transactions manually.

I feel the same way. I can get by without Quicken is they turn greedy.
by rustymutt
Thu Sep 28, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10958

Re: The Rolex and The Boglehead

I've never felt the need to defend my Timex watch buying habits. I freely admit to this. I also admit to being a time cheapskate. I hope this doesn't insult anyone. John Cameron Swayze also liked the cheap Timex watches. :sharebeer
by rustymutt
Thu Sep 28, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10958

Re: The Rolex and The Boglehead

The Timex and The Boglehead fits me to a T. 6 years ago and take a licking, and keeps on ticking.
by rustymutt
Thu Sep 28, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?
Replies: 65
Views: 6393

Re: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?

Who is Guy, and why should I listen to Guy? I've read the academics and they reached the conclusion along time before Guy. By the way, rebalancing is the same thing as buying on the dips. Sell high, buy low.
by rustymutt
Thu Sep 28, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4442

Re: $700 to install a dishwasher seem by a plumber?!

Professional ripoff artist abound anymore.
by rustymutt
Thu Sep 28, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 6978

Re: VG using outsourcing to call me & I'm not happy

I voted my proxies, whenever I recieved the email asking me to. I wouldn't like a call like that myself, and would have second thoughts about even talking to someone with noises like this in the background. I'm thinking this caller should find a different occupation. Vanguard needs to take more care...
by rustymutt
Sun Sep 24, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5077

Re: Bogleheads monthly costs of dog ownership?

This thread is incomplete without a least one of these "types" of posts, so here goes... I do not own a dog. Me too. I love going to the dog park, and being asked which dog is mine. I answer that all of them are, and that it's less expensive this way. Great for lowering blood pressure also. I love ...
by rustymutt
Sun Sep 24, 2017 6:07 am
Forum: Personal Consumer Issues
Topic: Favorite small Colorado towns near great fishing?
Replies: 10
Views: 1303

Re: Favorite small Colorado towns near great fishing?

Montrose is a good spot. Close to the Gunnison River where Pres. Carter does his casting occasionally. Uncompahgre runs thru the town and there are lots of good spots for trout, especially for rainbows right below the Ridgway Dam. The East Portal adjacent to the Black Canyon National Park is great ...
by rustymutt
Sun Sep 24, 2017 6:06 am
Forum: Personal Consumer Issues
Topic: Favorite small Colorado towns near great fishing?
Replies: 10
Views: 1303

Re: Favorite small Colorado towns near great fishing?

Blue Mesa reservoir has exception fishing I'm told. Salmon, and lake trout in abundance. The Gunnison river is dammed up making this deep gorge reservoir. I recall seeing bighorn sheep along the banks years ago. Surely fly fishing is done here, but I'm not sure how, or where. They want the lake trou...
by rustymutt
Fri Sep 22, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 4403

Re: Uplifted Driveway = No Home Owners Policy ?!

Just get the drive fixed. Would you want a loved one tripping over it? Can't be that much to fix it.
by rustymutt
Fri Sep 22, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3280

Re: Gaps in new hardwood flooring

Send it back with a message that Americans are tired of lousy businesses that sell crap not meeting specs, and if they can't do it, you'll find a company that can. And don't act afraid to tell them! :sharebeer
by rustymutt
Fri Sep 22, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 2414

Re: Phone Techies .....

Put a new battery in it and it's good to go. I've a 5c and love it. Paid for also.

https://www.amazon.com/ilovo-Rechargeab ... ew+battery
by rustymutt
Tue Sep 19, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25158

Re: Calling out the not so rich bogleheads

I'm not understanding your logic. We want everyone to have the knowledge and ability to be whatever they want financially. Most the questions I see don't have nothing to do with being a millionaire, but rather being informed about what's in your best interest. Are you feeling a bit left out? If so, ...
by rustymutt
Mon Sep 18, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 28998

Re: Wow, Vanguard Flagship service is bad. Really bad.

I'd leave Vanguard if I were you. You will be leaving them won't you? Not sure where you'd go without having some other issues, but if it was as bad as you state, then I'd pack my bags.
by rustymutt
Mon Sep 18, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1578

Re: Color printer suggestions: high quality output, low cost of ink

I too recommend laser printers, and I've had great results with Brother printers for years.
by rustymutt
Fri Sep 15, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Planner for Special Needs?
Replies: 2
Views: 267

Re: Financial Planner for Special Needs?

You might do well chatting with an estate attorney about creating a trust for this situation. I'm not sure how much estate you're going to have, but if I was in this situation, that's where I'd start at least. Good of you to start thinking about the end, cause it's coming for all of us some day.
by rustymutt
Fri Sep 15, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: Is "Fall" grass fertilizer formulation really necessary?
Replies: 8
Views: 818

Re: Is "Fall" grass fertilizer formulation really necessary?

I fertilize my lawn in mid fall with Scotts Turf Builder. I never gave thought to using their "Winterguard Fall Lawn Food". I figured it was just a marketing ploy. So I Googled it to find out the difference and this is what I found: What’s the Difference? Fertilizer bags always have three numbers p...
by rustymutt
Fri Sep 15, 2017 6:31 am
Forum: Personal Consumer Issues
Topic: Is "Fall" grass fertilizer formulation really necessary?
Replies: 8
Views: 818

Re: Is "Fall" grass fertilizer formulation really necessary?

It depends on many factors, besides the marketing factor. Starting with what type of grass you're growing, and how much residual nitrogen is in the soil. I stopped feeding my bermuda grass after the July application, to help stop the top growth, which was leading to fungus in the soil, which carried...
by rustymutt
Thu Sep 14, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20044

Re: Iphone X is $1000

With facial recognition, I'm in trouble. :oops:
by rustymutt
Wed Sep 13, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 3472

Re: Retirement - Living in Colorado

Some years back, my ex and me looked into the Fort Collins area, and decided we couldn't afford it. Housing is through the roof expensive. And it wasn't at all fancy, but plain for housing. We've also looked into CS, which was cheaper living, but..... they have forest that catch fire in the foothill...
by rustymutt
Wed Sep 13, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 4812

Re: Milestone Reached - "Quarter Millionaire!"

And you're going to need way more than that to live it up, without outliving your income. Keep up the great savings! :sharebeer
by rustymutt
Tue Sep 12, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11300

Re: Anyone else freeze their credit score?

I just tried to freeze my credit with Equifax, and the website was so busy it's down.
by rustymutt
Mon Sep 11, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46849

Re: Equifax customer information leak

How do you freeze your credit. I believe that's a good ideal. I pay cash for everything anyway.
by rustymutt
Tue Sep 05, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5195

Re: Coyote Defense

I've seen Coywolves in our backyard. Bigger than a coyote, smaller than a wolf, they're cross between the species. About the size of a German Shepard. They were not at all afraid of me. They were hunting Canada geese, their main targeted food source. Heh. Wonder if you guys could import some down t...
by rustymutt
Tue Sep 05, 2017 5:00 am
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5195

Re: Coyote Defense

I've seen Coywolves in our backyard. Bigger than a coyote, smaller than a wolf, they're cross between the species. About the size of a German Shepard. They were not at all afraid of me. They were hunting Canada geese, their main targeted food source.
by rustymutt
Mon Sep 04, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for Citi Double Cash, but no record of application?
Replies: 18
Views: 2044

Re: Denied for Citi Double Cash, but no record of application?

Maybe a bait and switch tactic. This is a growing trend in business. For example, 72 month financing at 0%. And when you ask the dealer about it, they simply tack cost onto the current offer sale price. It should be illegal, but I don't believe the police check into this much, as it's business. They...
by rustymutt
Wed Aug 30, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5195

Re: Coyote Defense

jebmke wrote:
Wed Aug 30, 2017 1:42 pm
rterickson wrote:
Wed Aug 30, 2017 1:07 pm
Carrying a golf club will get you fewer funny looks than a baseball bat.
Take a 2-iron. They aren't good for anything but clubbing something.

Mine is good for 250 yards.
by rustymutt
Wed Aug 30, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5195

Re: Coyote Defense

We've got coyotes all over. I've heard of 2 dogs being ate in the past 2 months alone. Keeping them inside a fenced yard is the first defense. They won't attack a dog in the company of people, and on a tether. I've had them jump right over the top of me while turkey calling, and I'm not sure which w...
by rustymutt
Tue Aug 29, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: Rob Arnott: Dump US stocks buy EM
Replies: 65
Views: 5644

Re: Rob Arnott: Dump US stocks buy EM

Investment porn at best. Never do what these guys claim is the best thing to do. All it would do is help his investments, but most likely :beer not yours.
by rustymutt
Mon Aug 28, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Sitting on the sidelines...for now
Replies: 32
Views: 3845

Re: Sitting on the sidelines...for now

Tim, nothing wrong with sitting on sidelines, but you might be waiting along time for any sizable market drop. Have you thought about going ahead with bond purchases, and keeping whatever allocation your written investment plan calls for in equities in short term government bond funds? This way if y...